Compare home loans

Get a better home loan deal from your bank and across the market. Home loan rates from 5.69% p.a. (6.37% p.a. comparison rate*). Market leading offers including fee waivers and up to $4,000 cash back when you refinance.

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How much can I borrow for my home loan?

There are a number of factors that banks and lenders consider when deciding how much you can borrow. These include items such as income, employment position, the deposit saved or equity of an existing property, current living expenses and any liabilities. Once you have determined the type of loan that suits your needs, possibly with the help of our website tools or by speaking with the bank that you select, these items are assessed so you know where you stand.

Should I get a Fixed rate or Variable rate home loan?

This really depends on individual needs, however a basic rule of thumb is, if you want the flexibility to make extra repayments, then consider a variable rate loan, while if you want cash-flow and repayment certainty, then consider a fixed rate loan. If you’d like both flexibility and certainty, then a split loan (part fixed and part variable), may be a good solution.

Who sets home loan interest rates?

The Reserve Bank of Australia (RBA) meet on the first Tuesday of every month to determine the official cash rate for the country. This cash rate, as well as the market’s future expectation for the cash rate, directly influences what it costs lenders to lend you money. When the cash rate changes, banks and other lenders typically adjust their variable interest rates by a similar amount. And when market expectations change about the longer-term outlook for the cash rate, lenders typically adjust their fixed interest rates. The RBA cash rate is not the only factor that influences home loan interest rates. Lenders also adjust their rates according to their costs, risk appetites, changes in government regulations, and a range of other economic considerations.

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* Comparison rate is based on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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